Customers Love Our Software!

Customer Testimonials

Most investors understand the importance of saving with a Roth IRA account or an employer sponsored 401K account for retirement. However, most people are much less prepared to answer questions like when they should start drawing social security or how to figure out which type of retirement account to withdrawal from first, when to do start, and at what rate to withdrawal. MaxiFi Planner answers those questions, as well as many other questions you haven’t even thought of yet. The software is easy to use and provides amazingly detailed financial recommendations which are supported by advanced Monte Carlo analysis. MaxiFi Planner is an outstanding resource for regular investors as well as for professional investors with a large financial planning practice.

Lou Haverty

Chartered Financial Analyst, Financial Analyst Insider

MaxiFi Planner costs $99 and will find safe ways to raise your lifetime spending power by tens of thousands of dollars. I write to you a lot about navigating the stock market. But MaxiFi Planner can make you money with no risk whatsoever. For $99, it can produce a huge return for sure!

John Mauldin

Thoughts from the Frontline

. . . the real distinction for financial advisors is not MaxiFi’s cost-effective price point, but its potential to frame the entire financial planning conversation differently – around the long-term impact of a client’s decisions on their long-term sustainable standard of living, instead of “just” their assets.

Michael Kitces

Nerds Eye View

I’ve used ESPlanner since its earliest days and recently tried MaxiFi. The user experience is dramatically improved. Despite the fact that I probably spend as much time planning my own retirement as anyone, MaxiFi recommended that I slightly tweak my Social Security claiming strategy and make a change to withdrawal order that resulted in an increase in lifetime consumption. I believe there may even be a better withdrawal strategy and MaxiFi will help me test that theory. I’m a fan!

Dirk Cotton Author

The Retirement Cafe blog

MaxiFi is obviously very thorough and considers many variables simultaneously. Given how complex things have become (taxes, investments, etc.), having a tool like this is indispensable.

Michelle Prengle

CPA, temporarily residing in Japan

I can't say enough about what a fantastic program you have developed (MaxiFi). It gives me the comfort of knowing (given assumptions made of course) that my base case is fine and the 7 or so alternate cases I've created show me where I might find myself some day. What a jewel you have in how you decided to break out only housing and everything else falls into discretionary. Very easy for me to work with. . . . All good. MaxiFi of course ties it all together with including the asset side of things to plan to the end (age 100 is what I picked for me and my wife, I'm 67 now). Thanks again so much and thanks for moving the CA property tax into a fixed nominal increase as is the case here in CA and I understand a few other places. I also note your easier-to-run scenarios against the base case all on the main page. Nice touch. Oh, one more. Year at a Glance Report: Great for seeing how the pieces tie together for any given year. Cheers. Keep up the excellent work.

Malcolm Hebert

Customer, Oceanside, CA

MaxiFI Planner is an awesome tool. I searched for many months on a retirement financial planning tool and chose MaxiFi . . . very pleased. And customer support is superb :)

Craig Passman

Pensacola FL

I'd been doing our planning for years, occasionally using ESPlanner Basic (the free version) for a reality check, and was well satisfied. When my wife and I inherited from our parents, the stakes went up and I had a crisis of confidence. I searched for financial planners who might be a good fit and interviewed several. When I asked how they developed and optimized clients' plans, the answer was always "software". I looked around for access to professional financial planning software and found Maxifi, the next generation of ESPlanner. Maxifi's yearly fee is less than one hour of a CFP's time. There's no limit to how much what-if I can do, which is especially important given that the future financial environment might not be a continuation of the past. With easily adjusted worst-case, best-case and in-between scenarios, I feel like I've got the best possible tool for choosing an optimal strategy and making informed decisions.

Joel Schuman

Retired software developer Saugerties, NY

Thank you so much for creating a truly useful calculator tool, MaxiFi, which is invaluable. I wish I had an access to this decades ago. Now that I learned to use MaxiFi, my previous decision- making process seems to belong to the pre-smart phone era, or frankly stone age, which I refuse to go back to.
MaxiFi is a unique tool, which will calculate retirement cash flow, whether you are in the twenties, seventies, or somewhere in between. One of the most important question to me is: What is a safe amount of money I can withdraw from my (including future) portfolio with little risk of running out of money?
MaxiFi will give you this number without much effort. I currently have a team of financial advisors, because of my institution's retirement accounts. They have a ... grossly different calculator. Their system starts like this: What would you like to spend annually during your retirement years, including needs and wants? From there they will calculate the probability of achieving the goal. The readout is percent success rate. This is completely backward. It is almost a fraud. Your needs and wants at retirement (may not be affordable and, therefore,) have no business within the calculation.

Shinichiro Kurosawa, MD, PhD,

Associate Professor of Pathology and Laboratory Medicine, Boston University

Great product . . . just a week in and have entered all my base info. Was impressed that it handled the Government WEP and matched the SS website calculation, which my other financial planner couldn't do. Nice upgrade from my previous version of your software, which I lobbied Larry to update a few years ago. Also gave clearer instructions for my wife (also WEP) to just wait to file rather than file/suspend for maybe a few bucks. Simplicity is often overlooked, and under-weighted, in advice.

Ken Schipp

Alexandria, VA

In a word - Great! The combination of an extraordinary Economist with an accomplished Financial Planner produced the best webinar with the most useful info I’ve enjoyed in my 40 years of listening to others; I’ve been a user of Maxifi for about a year now. I learned capabilities I did not know were there.


Webinar participant

Maxifi is great! I also appreciate their ethics in not making customers do auto pay. Maxifi helped us make the right decision.

Mar, Retired Teacher


I am nearing retirement from Boston University and have been using the MaxiFi Planner for about a year. I am no technical whiz by a long shot, but I find this program easy to use and actually a lot of fun to do. One can look at a number of different scenarios, and learn how to maximize resources and compare a wide variety of options. I believe my husband and I will enjoy a much better retirement without worry because of this program. If we should both live long lives, I can easily see that we will gain tens of thousands of dollars in income over the course of our retirement by applying just one or two maximization principles. And even in the short term, we should be able to spend more in early retirement than I had thought possible and still remain secure in our old age. Thank you so much for designing this excellent program!

Ruth Mason

Director, Engineering Divisions Boston University

I think the Maxifi program is great because it allows you to see "What if" scenarios vs the Maxifi guys' scenarios. The software is very smart. It helps you plan and get visuals and graphs and tables of what the financial future actually looks like depending on the decisions you make.


M.V. Phoenix, AZ

I recently had the opportunity to use Financial Engines--I think MaxiFi is a vastly better product.

Fredric G.


A sincere thanks for all the hard work from your team. I can't give you guys enough kudos for the valuable support you provide to those in need at a fair price. I read one comment from a customer of yours who said he tries to get some of his friends to try it but they can't see the $100 value for 1 year. They need to have their head examined. They could be blowing by thousands of dollars with improper planning, for what, to save $100? Short sighted if you ask me. Larry's Get What's Yours social security book is how I found you guys. Sure glad I did. Best money I've spent (besides buying my wife's wedding ring). :)

Malcolm Hebert

Oceanside, CA

Maxifi Planner is great. The genius is in its simplicity.

Thomas Wheeler M.D.

Cardiologist Fredericksburg, Va

I have found the software easy to use and have created eight or nine scenarios. It has been well worth the money in our retirement planning. I will recommend it to our children as a way to get started planning more effectively.

David S.

Pastor, Columbia, MD

GREAT Product!! I track my finances in Quicken and have been using their Lifetime Planner. The MaxiFi planner technique with smoothing out income to provide the greatest payouts and maximum savings for spending is a real blessing and provides better practical information to follow during retirement than what Quicken provides. MaxiFi also considers Social Security where Quicken does not.

Phil Dommer

Retired IT Professional Developer/Analyst

​I came across your financial planning software after years of frustration working with financial planners. Those programs are worse than useless. But your software is amazing! It’s easy to use and so rational/clear in how it is designed – obviously designed by an economist! I love that the program tells you what you can spend. So simple. I feel like we finally have our arms around retirement planning.

Emily Gilde

Chief Actuary, Ethos

I love MaxiFi! Having the ability to run limitless scenarios minimizes the guesswork of long-term planning.

Harvey Johnson

Senior Manager Cyber Engineering, Woodbridge,Virginia

I find MaxiFi Planner to be extremely helpful. It enables me to input a great level of detail regarding our current situation, and is then easy to use in generating very valuable and insightful future scenarios. And you keep it current with respect new laws, and providing upgraded features. Keep up the great work!

Bob M., PhD

Retired Mathematician, New Orleans, LA

I needed to quickly find and use some cash-based financial planning software to make a major financial decision. After checking around, I settled on trying ESPlanner or MaxiFi. I tried MaxiFi. Great software tool and great support, even on the weekends. Now I see why you have the great testimonials on your website.

E. Bauman

Research Manager, Walnut Creek, CA

Thank you so much for your fantastic support and prompt replies. I think your product is phenomenal and has given me peace of mind in my look into the future for my retirement. I have already recommended it to several others.

Michael S., MD

Physician, Los Angeles, CA

I have run four scenarios since I purchased MaxiFi one week ago and the program is very impressive. It is pretty easy to use, allows a lot of tailoring of inputs, gives good help tips and has calculating power above and beyond what I will ever put together.

Michael B.

Retiree, Silver Spring, MD

Great help. Thanks! I really like your software. I have an Excel model I've developed over the last few years but this is SO much easier.

Charles C.

Real Estate Development, Franklin, TN

Very easy to follow and to find what I want. I like the ease of access to the information on the fly.

Nancy S.

Actress and retired from Human Services, Oceanside, CA

Congrats to Economic Security Planning on launching I'm loving it. You folks are true pioneers, and I applaud all that you do.

Drew Boyd

Executive Director, Associate Professor of Marketing and Innovation Carl H. Lindner College of Business

Plan for a Lifetime with MaxiFi Planner